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Why do tree care professionals need business insurance?
Tree maintenance is dangerous work, and as a result, tree service companies deal with big liability. A falling tree branch could damage power lines or injure a homeowner, which could lead to a lawsuit. Tree service insurance helps your small business shoulder the legal and financial burden of injuries, property damage, equipment theft, and auto accidents.
Find affordable coverage
Tree service professionals can save money by comparing free quotes for insurance coverage from top-rated carriers.
Fill out Insureon's easy online application to get quotes and advice from a licensed insurance agent.
What types of insurance do tree service businesses need?
These insurance policies cover the most common risks of tree care.
General liability insurance
General liability coverage helps pay for third-party accidents, such as a property owner tripping over an arborist’s equipment. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Product liability insurance
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for tree service businesses to buy general liability coverage and commercial property insurance together.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged or stolen tree service equipment
Commercial auto insurance
A commercial auto policy covers the cost of accidents involving a tree care company’s vehicle. Each state has its own requirements for auto liability policy limits.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries in an accident
- Vehicle theft and vandalism
Workers’ compensation insurance
Most states require workers' comp for tree service businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Contractor’s tools and equipment insurance
This policy helps pay for repair or replacement of a tree trimmer’s climbing gear, pruners, chainsaws, pesticide sprayers, and other tools. It’s a type of inland marine insurance.
BEST FOR
- Equipment less than five years old
- Equipment that travels to job sites
- Small tools
Cyber insurance
This policy helps tree service businesses recover financially from cyberattacks and data breaches. It's strongly recommended for any business that handles sensitive information.
BEST FOR
- Customer notification costs
- Data breach investigations
- Fraud monitoring services
Looking for different coverage? See more policies.
How much does arborist and tree service insurance cost?
A small landscaping business will pay less for insurance than a larger company.
Factors that affect premiums include:
- Landscaping services offered
- Business property and equipment
- Business income
- Types of insurance coverage purchased
- Policy limits and deductibles
How do I get tree service business insurance?
It's easy to get tree service business insurance and license/permit bonds if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. providers to find coverage that fits your tree trimming or tree removal business, whether you work independently or hire employees.
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